I also set up a personal pay pal account today and presumed I could accept credit cards via it - but I could be wrong. Do I need to put a disclaimer on there that I can't like you have done???
If you really have the free, personal Paypal account, then you can't accept credit cards through Paypal. If you have a Business (Premier) account (pp charges you each time you get paid), then you can accept credit cards.
Your auctions say:
"This seller, ballisticbrian1, prefers PayPal" and then there are little pictures of credit cards showing, making it look like you can take credit cards. Check and see for sure what kind of paypal account you have. If you can't take credit cards, I would insert the disclaimer for sure.
If you want to take credit cards and don't mind letting Paypal skim a bit off each payment you get (Credit card or not) then go ahead and upgrade your Paypal account to Premier. People love to use their credit cards!
If you don't want to upgrade, I would not check the Paypal box in the 'Accepted Payments' section when you are putting up your auctions. You don't want those little pics of credit cards showing. It will confuse people.
Happy Ebay-ing!
-Lisa
(PS: Believe it or not, people still try to pay me with a credit card even with all those disclaimers!)